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How It Works
Three steps — Free — Instant
1
Upload any Loan Estimate from any Lender.
Simply drag and drop your PDF - or click on browse to upload.
2
Our system instantly flags elevated fees and shows you where you can save.
Fees that stand out are color coded: Red=Flagged.Yellow=Elevated.Green=In your favor.
3
Get a detailed summary of flagged fees and money you could save.
Your personalized report details every fee — so you know exactly what you're paying and why.
Your document is analyzed privately in your browser — it's never uploaded unless you choose to send it to us.
CrossCountry Mortgage, LLC is a VA-approved lender and is not acting on behalf of or at the direction of the U.S. Department of Veterans Affairs or the Federal government.
Cross-referencing VA guidelines and market benchmarks—
Reading document structure
Extracting loan terms & fees
Applying VA fee guidelines
Benchmarking against market rates
Flagging lender-specific fees
Generating your fee report
VA Loan Shield Verdict
Grade–
Potential Savings
--
Interest Rate
--
Step 1
Interactive Loan Estimate
Walk your LE line by line — every fee defined, flagged, and explained.
Step 2
Interactive Rate Stack
You have a menu of rates — see where yours lands and whether you're getting a fair deal.
Step 3
Your Savings Summary
See exactly which fees are elevated and how much you could save before signing.
Step 4
Get Your Full Report
Get a full written breakdown of every flagged fee — and see what the same loan looks like from our team.
From the Founder
Why We Built This
My path from the Marine Corps to real estate to mortgages completely shaped the idea for VA Loan Shield. I built it for one reason: too many Veterans overpay on fees they never should have been charged — and no one was showing them.
The analysis you just ran flags those fees automatically, in seconds, for free. No catch. I hope you reach out and give us a shot at earning your business — but if not, the goal is still the same: that you keep every dollar you earned.
You served. The least we can do is make sure you're not leaving money on the table.
Mike Olesh · Founder
VA
Veteran-founded
1000s of LEs reviewed
VA loan specialist
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One team on a mission to save Veterans money.
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Flagged Fee Summary Report
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Loan Estimate Grade
Estimates based on your Loan Estimate and general benchmarks — not a guarantee. Analysis runs in your browser; your document never leaves your device.
VA Loan Shield™
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Serving U.S. Military Veterans & Their Families
Interactive Loan Estimate
Loan Estimate
Date Issued—
Applicants—
Purpose—
Sale Price—
Loan Term—
Loan Type—
Loan Amount—
Interest Rate—
Cash to Close—
AOrigination Charges
BServices You Cannot Shop For
CServices You Can Shop For
DTotal Loan Costs (A + B + C)
ETaxes & Government Fees
FPrepaids
GInitial Escrow Payment
HOther
JTotal Closing Costs
Uploaded Document
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Understanding the Rate Stack
VA Loan Academy · Interest Rates
Step 1 of 6
"It's your house, your mortgage — you should get to pick your interest rate."
Most borrowers think their lender picks the interest rate. One or two options, take it or leave it.
That's not how it works. Lenders price a full range of rates every day. You have a stack — and most Veterans never see it.
The middle of your stack is where you'll find par — the interest rate closest to zero cost or credit. Consider it your neutral starting point. Every other option is a trade-off from here.
Rate
Discount Points
Cost / Credit
Mo. P&I
5.750%
2.323%
($9,290)
$2,334
5.875%
1.651%
($6,603)
$2,366
6.000%
1.121%
($4,483)
$2,398
6.125%
0.741%
($2,963)
$2,430
6.250%
0.461%
($1,843)
$2,463
6.375%
0.256%
($1,023)
$2,495
6.500% Par
0.000%
—
$2,528
6.625%
-0.504%
+$2,017
$2,561
6.750%
-0.661%
+$2,642
$2,594
6.875%
-1.111%
+$4,442
$2,628
7.000%
-1.471%
+$5,882
$2,661
7.125%
-1.531%
+$6,122
$2,695
Notice there are many options for interest rates lower than par. Everyone wants the lowest rate possible — but it's important to understand that comes with a cost.
Paying for a lower rate requires a fee at closing called discount points. One point = 1% of your loan amount. Notice that the rate options don't always end in smooth numbers. Discount points are a percentage of your loan amount.
Rate
Discount Points
Cost / Credit
Mo. P&I
5.750%
2.323%
($9,290)
$2,334
5.875%
1.651%
($6,603)
$2,366
6.000%
1.121%
($4,483)
$2,398
6.125%
0.741%
($2,963)
$2,430
6.250%
0.461%
($1,843)
$2,463
6.375%
0.256%
($1,023)
$2,495
6.500% Par
0.000%
—
$2,528
6.625%
-0.504%
+$2,017
$2,561
6.750%
-0.661%
+$2,642
$2,594
6.875%
-1.111%
+$4,442
$2,628
7.000%
-1.471%
+$5,882
$2,661
7.125%
-1.531%
+$6,122
$2,695
Paying discount points brings the rate down and lender credits bring the rate up. The borrower can choose to take a higher interest rate and get a credit to reduce their closing costs.
Rate
Discount Points
Cost / Credit
Mo. P&I
5.750%
2.323%
($9,290)
$2,334
5.875%
1.651%
($6,603)
$2,366
6.000%
1.121%
($4,483)
$2,398
6.125%
0.741%
($2,963)
$2,430
6.250%
0.461%
($1,843)
$2,463
6.375%
0.256%
($1,023)
$2,495
6.500% Par
0.000%
—
$2,528
6.625%
-0.504%
+$2,017
$2,561
6.750%
-0.661%
+$2,642
$2,594
6.875%
-1.111%
+$4,442
$2,628
7.000%
-1.471%
+$5,882
$2,661
7.125%
-1.531%
+$6,122
$2,695
Now that you have more choices, how do you choose? Think about the "Break Even Point" and find the deal that makes the most sense.
The break even is a calculation of the total cost or credit from par divided by the change in the monthly payment. Mouse over any interest rate below to see how we calculate the break even point and highlight the good options.
Rate
Discount Points
Cost / Credit
Mo. P&I
Break Even
5.750%
2.323%
($9,290)
$2,334
5.875%
1.651%
($6,603)
$2,366
6.000%
1.121%
($4,483)
$2,398
6.125%
0.741%
($2,963)
$2,430
6.250%
0.461%
($1,843)
$2,463
6.375%
0.256%
($1,023)
$2,495
6.500% Par
0.000%
—
$2,528
baseline
6.625%
-0.504%
+$2,017
$2,561
6.750%
-0.661%
+$2,642
$2,594
6.875%
-1.111%
+$4,442
$2,628
7.000%
-1.471%
+$5,882
$2,661
7.125%
-1.531%
+$6,122
$2,695
You just covered more about mortgage rates than most borrowers ever learn. Here's what you now know that your lender is counting on you not knowing:
✓
Mortgage companies price a full stack of rate options every day. We'll show you the entire stack — and let you choose your rate.
✓
Par is the neutral starting point — the rate closest to zero cost or credit. Everything else is a trade-off from here.
✓
Discount points buy your rate down. Lender credits give you cash toward closing costs — at the cost of a slightly higher rate.
✓
The break-even point tells you which trade-off actually makes sense for your situation.
Now let's look at your actual loan.
Interest rates are just one piece. Head back to your loan dashboard and we'll check every fee — elevated Section A charges, avoidable lender fees, and whether the rate you were quoted is actually par.
For educational purposes only. The rates, points, and payments shown are a hypothetical example for illustration only — they are not an offer of credit, not currently available rates, and do not reflect APR. Your actual rate, terms, and costs depend on your specific loan and market conditions at the time of lock. All loan approvals, pre-qualifications, pre-approvals, and rate locks are only made by CrossCountry Mortgage, LLC in writing.
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